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200004458
<br />Deed of Trust, continued
<br />WWZI T
<br />Trustor covenants that Trustor is lawfully seized of the estate hereby conveyed and has the right to grant and convey
<br />the Property, and warrants title to the same, subject to general real estate taxes for the current year, easements of
<br />record or in existence, and recorded declarations, restrictions, reservations, encumbrances and covenants if any, as of
<br />this date and except N /A. Trustor covenants that Trustor warrants and will defend generally the title to the Property
<br />against all claims and demands, subject to the foregoing matters.
<br />UNIFORM COVENANTS. Trustor and Lender covenant and agree as follows:
<br />1. PAYMENT OF PRINCIPAL AND INTEREST. Borrower shall promptly pay when due the principal and
<br />interest indebtedness evidenced by the Note and late charges as provided in the Note.
<br />2. FUNDS FOR TAXES AND INSURANCE. Subject to applicable law or a written waiver by Lender, Trustor
<br />shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note
<br />is paid in full, a sum (herein "Funds ") equal to one - twelfth of the yearly taxes and assessments (including
<br />condominium and planned unit development assessments, if any) which may attain priority over this Deed of Trust
<br />and ground rents on the Property, if any, plus one - twelfth of yearly premium instalhnents for hazard insurance, plus
<br />one - twelfth of yearly premium instalhnents for mortgage insurance, if any, all as reasonably estimated initially and
<br />from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Trustor shall not
<br />be obligated to make such payments of Funds to Lender to the extent that Trustor makes such payments to the holder
<br />of a prior mortgage or deed of trust if such holder is an institutional lender.
<br />If Trustor pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which
<br />are insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender
<br />shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge
<br />for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bills,
<br />unless Lender pays Trustor interest on the Funds and applicable law permits Lender to make such a charge. Trustor
<br />and Lender may agree in writing at the time of execution of this Deed of Trust that interest on the Funds shall be paid
<br />to Trustor, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be
<br />required to pay Trustor any interest or earnings on the Funds. Lender shall give to Trustor, without charge, an
<br />annual accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the
<br />Funds was made. The funds are pledged as additional security for the sums secured by this Deed of Trust.
<br />If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable
<br />prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required
<br />to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at
<br />Trustor's option, either promptly repaid to Trustor or credited to Trustor on monthly installments of Funds. If the
<br />amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and
<br />ground rents as they fall due, Trustor shall pay to Lender any amount necessary to make up the deficiency in one or
<br />more payments as Lender may require. Upon payment in full of all sums secured by this Deed of Trust, Lender
<br />shall promptly refund to Trustor any Funds held by Lender. If under paragraph 17 hereof the Property is sold or the
<br />Property is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the
<br />Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the
<br />sums secured by this Deed of Trust.
<br />3. APPLICATION OF PAYMENTS. Unless applicable law provides otherwise, all payments received by Lender
<br />under the Note and paragraphs 1 and 2 hereof shall be applied by Lender in any order it chooses.
<br />4. PRIOR MORTGAGES AND DEEDS OF TRUST: CHARGES: LIENS. Trustor shall perform all of Trustor's
<br />obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this
<br />Deed of Trust, including Trustor's covenants to make payments when due. Trustor shall pay or cause to
<br />CFD FRHEL Deed of Trust — Nebraska 3/2000 2 of 7
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